| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $98K | — | $98K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 1.83% |
| MEDICAL BENEFITS ADMINISTRATORS3 | 1975 TAMARACK ROAD NEWARK, OH 43055 | NATIONAL UNION FIRE INSURANCE CO/AIG | $51K | — | $51K | 5.26% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $77K | — | $77K | 15.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 3.65% |
| MEDICAL BENEFITS ADMINISTRATORS3 | 1975 TAMARACK ROAD NEWARK, OH 43055 | NATIONAL UNION FIRE INSURANCE CO/AIG | $47K | — | $47K | 10.07% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 3.41% |
| SCHWENDEMAN AGENCY, INC.3 Filed as: SCHWENDEMAN AGENCY INC | 109 PUTNAM STREET MARIETTA, OH 45750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.28% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 2.85% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1 | $8K | 7.96% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.96% |
| SCHWENDEMAN AGENCY, INC.3 Filed as: SCHWENDEMAN AGENCY INC. | 109 PUTNAM STREET MARIETTA, OH 45750 | VISION SERVICE PLAN | $2K | — | $2K | 4.05% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,816 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $263K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,444 | $72K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,535 | $765K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $382K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,816 | $1.2M |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE CO/AIG | 2,444 | $978K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,535 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,816 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.